The Security National Bank of Enid: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 68.7% in Q2 2026, from -$1.1M to -$1.9M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Security National Bank of Enid is 22nd of 71 on CET1 ratio, 17.22% as of Q2 2026, above the middle of the field. The Security National Bank of Enid reported 17.22% on CET1 ratio for Q2 2026, 2.15 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.22% |
| Tier 1 risk-based capital ratio | 17.22% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 8.74% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $35.4M |
| Tier 1 capital | $35.4M |
| Total risk-based capital | $38.0M |
| Total equity capital | $33.5M |
| Risk-weighted assets | $205.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.37% |
| Tangible equity to tangible assets | 8.37% |
| Equity capital to average assets | 8.27% |
| Internal capital growth rate | 5.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $4.0M |
| Retained earnings | $27.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.66% | 17.66% | 18.92% | 9.23% | $187.9M |
| Q4 2023 | 16.60% | 16.60% | 17.86% | 9.29% | $199.3M |
| Q1 2024 | 16.38% | 16.38% | 17.64% | 8.87% | $204.2M |
| Q2 2024 | 17.60% | 17.60% | 18.86% | 8.63% | $191.5M |
| Q3 2024 | 17.60% | 17.60% | 18.86% | 8.87% | $192.1M |
| Q4 2024 | 16.87% | 16.87% | 18.13% | 8.98% | $199.3M |
| Q1 2025 | 17.06% | 17.06% | 18.31% | 8.80% | $199.4M |
| Q2 2025 | 17.54% | 17.54% | 18.80% | 8.64% | $196.1M |
| Q3 2025 | 18.07% | 18.07% | 19.32% | 8.94% | $192.7M |
| Q4 2025 | 16.95% | 16.95% | 18.21% | 9.18% | $203.7M |
| Q1 2026 | 17.16% | 17.16% | 18.41% | 8.95% | $203.8M |
| Q2 2026 | 17.22% | 17.22% | 18.48% | 8.74% | $205.6M |
The Security National Bank of Enid regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Security National Bank of Enid, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Security National Bank of Enid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14966) · FFIEC NIC profile (RSSD 119153)